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These questions have been asked of me as a mortgage lender quite often as of late ...
Are mortgage funds drying up?? Can buyers even get mortgage monies if they're approved for a mortgage? Before I go any further ... the simple answer is YES! Mortgage funds are available!
But the longer, more advanced detailed version of that answer possibly has an asterik after it. There's a bit more to the story, as usual. Kim McMahon of Executive Realty Group (9 comments)
lending: Double Jeopardy! Now Lenders Need A Second Credit Report Right Before Funding - 06/03/10 03:25 PM
Once again just this last week, I had a client IN THE PROCESS OF BUYING A HOME AND OBTAINING MORTGAGE FINANCING, go out and try ... and yes I said try ... to buy a new car. They did this AFTER being told the damage they could do to their credit, and ultimately their home transaction, multiple times. PLEASE .... if you are a potential home buyer or presently in the home buying process ... READ THIS ARTICLE by Janet Guilbault, RPM Mortgage out of California. Follow her instructions and suggestions ... and DO NOTHING unless you speak to your lender (6 comments)
lending: DuPage County Down Payment Assistance - 05/13/10 06:00 PM
About a month ago, I wrote about the Neighborhood Stabilization Program as it pertained to Will County, Illinois. Lyn Sims (Re/Max Suburban in Schaumburg, IL) has provided great information in detail regarding another county in Illinois .. DuPage County. For those thinking of buying a home within this area, Lyn's article is a must-read. For further information, or to view a home that is a participant in the re-habbing aspect of this program ... please contact Lyn Sims or click on the links that she has so generously provided for your convenience and assistance. As always, for lending information ... feel (10 comments)
"What is old ... is new again" I'm sure you have heard this saying many times. A recent study released by the Pew Research Center proves it true. The American way of life is evolving once again ... and it's heading backwards. Multi-generational family households are staging a comeback. At the turn of the century, the majority of households had adults 65 and older living with the younger members of their families. Social Security and Medicare came along and changed that drastically. Now, once again, we are experiencing a turnaround in those statistics. According to the Pew study, in 2008, 49 million (5 comments)
There have been many articles written recently regarding the looming tax credit deadline for first-time home buyers. A real debate has been raging ... should or shouldn't the tax credit be extended? In the meantime while the pros and cons of this are being debated, I'm experiencing a great number of phone calls asking ... "Can I still take advantage of this credit"? And ... "Do I still have time to get a deal closed before the cut-off date"? As the clock ticks down on this program, it is getting harder and harder to answer in the (6 comments)
lending: Wouldn't You Like To Know How Healthy The Banks Are In Your Neighborhood? - 09/28/09 06:24 PM
Thank you so much to SarahGray Lamm, my AR fully-licensed, full time, residential Broker/Friend in North Carolina, for providing this valuable information. I felt it very important that as many people view and have access to this info as possible ... so I asked for permission to re-blog the piece. Sarah was gracious enough to allow me to do so. The information contained within this article could prove extremely worthwhile to many across the nation. Please pass the provided links on to those you think interested, or in need!
Via SarahGray Lamm~REALTOR Broker~ 60K Hours of NC Real Estate Experience~ (Allen Tate Realtors Chapel Hill, NC): We (0 comments)
It's September. As history will tell us, it's typically the Stock Market's worst month. However, there's been nothing "typical" about this last year or so, in terms of "the markets". Ben Bernacke states that the worst of times are behind us, and that the indicators bear that out. Whether or not that's true, time will tell. I personally feel that the Economy cannot truly experience a recovery until the Real Estate Markets and property values make a steady and sustainable improvement. My fear is that unemployment and decreasing earnings will continue to get in the way of that and we will see "see-sawing" (6 comments)
Sometimes you find pearls of wisdom when you least expect it ... Yesterday's blog on ActiveRain by Dan Pena titled "Why do we need Reverse Mortgages?" was that kind of find.
My mind had barely digested Dan's powerful blog when ... what do I find in my mail? The latest ConsumerReports magazine (Sept. 2009) with a lengthy article concerning Dan's very topic ... Reverse Mortgages. The CR magazine article was of quite a different tone than Dan's blog. The sub-title read a little like something you'd find in The Enquirer. "The next financial fiasco?? It could be reverse mortgages." (47 comments)
lending: Your Mortgage, Credit, and YOU During a Divorce - 04/02/09 03:38 PM
It's a sad fact, the beleaguered economy is taking a toll on many relationships. The stresses of diminished income, lost employment, rising prices, and decreased housing values have broken many american couples apart. Divorce is a very difficult time for parting couples in many ways. Emotionally and monetarily it leaves no stone unturned. It's probably the worst time to expect someone to make important financial decisions, but many times it is exactly during this time of upheaval that settlement of homeownership must be made. Divorcing couples must always remember one thing. Marriage and its' dissolution remains a business deal. It sounds cold to categorize (4 comments)
lending: Addressing First-Time Home Buyer's Worries ... Down Payments, Credit, FHA, & More - 03/30/09 03:39 PM
I recently had an associate that forwarded an article to me regarding the findings of a survey conducted with prospective first-time home buyers. Being a mortgage banker, he knew the results of such a survey would naturally be of interest to me. The information contained within this article surprised me just a little bit, I have to admit. Maybe it's because I am employed within the real estate industry and sensitive to every move and gesture of it, but it seems to me that news, information, and opinions regarding our industry are everywhere and delivered non-stop. At times, it feels almost relentless. Still, the findings of this (2 comments)
lending: Reverse Mortgages - The Fact List - 03/23/09 12:02 PM
The old saying goes "a picture is worth a thousand words", and it is true. I valiantly try to keep my customers and referral partners informed and educated about industry topics and more specific points pertaining to their personal needs and recent changes that would effect them. At times though, you can see the results of information overload taking their toll. A glaze rolls over their eyes and panic can be seen creeping in. You can almost hear their minds screaming, "enough"! But pictures ... they can provide what fleeting words can't. Concrete reminders of important information and facts that can be hung on a (0 comments)
lending: A Smooth Path Towards Closing - 03/22/09 06:48 PM
Recently I have been working on a young couple's application for mortgage that has been less than simple and filled with roadblocks. Lower credit numbers than previously portrayed during initial conversations were the first hurdle that cropped up and caused some anxiety. Then came the choice of property. The home had some "issues" and they only made the appraisal and subsequently the lending more of a challenge. That the purchase was being arranged for and sold through a government-owned agency added to the dilemma. It was also becoming quite clear that the realtor representing the couple was inexperienced in this type of transaction. All sorts of (3 comments)
lending: Getting the Facts Out - Reverse Mortgages - 03/10/09 10:49 AM
There is only one word I can use to describe the reactions I sometimes receive regarding the topic of Reverse Mortgages. It is resistance. I would also say that at times, people don't even know or completely understand why they are resisting. All sorts of internal alarms seem to be set-off regarding this topic and I meet a roadblock. Perhaps because of the age group utilizing these mortgages, special precautionary defenses get called into play emotionally. Everyone has heard a horror story of a predatory vulture stalking an unsuspecting senior. And unfortunately, too many times it has been true. But we must guard against (1 comments)
Many myths and prejudices surround the topic of Reverse Mortgages. While it is true that these types of loans are not for every senior, in some instances they can provide well-needed benefits to some. With the consultation that is required for seniors thinking of utilizing this form of lending, seniors and their caregivers should be well-versed and educated about the benefits and drawbacks associated with their loan by the time a decision is to be made. Following is a short synopsis and outline of many of the features of these loans. If you or a loved one of yours is (21 comments)
lending: Optimism For The Mortgage Industry - 03/04/09 07:22 PM
These days it's hard to find encouraging signs or words regarding the mortgage industry. All forms of the media grind out accountings of the fluctuations, stresses, and atrocities happening within it daily. I don't believe in being an ostrich burying my head in the sand, but I can't help but wonder if all the negative press doesn't somehow make our problems worse. It's true that consumers and homeowners need vital facts and information to react and make sound decisions regarding their finances and credit. Especially now, they need to be educated about opportunities and options available that will truly assist their fragile or dire financial positions. The number of phone calls I receive picks-up dramatically after each (0 comments)
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.